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HDFC ERGO my:health Suraksha
HDFC ERGO my:Health Suraksha
HDFC ERGO Health Suraksha is a comprehensive health insurance plan that covers in-patient treatment cost, pre and post hospitalization expenses with no sub-limits on disease, hospital room rents, doctor’s fees and hospital charges.
Key features HDFC ERGO my:Health Suraksha
Comprehensive policy at affordable premiums
No pre-policy medical check-up required up to the age of 45 years
Avail Cumulative Bonus at the end of each claim-free year
AYUSH (non allopathic) cover available
No Sub-limits on any disease, room rent, hospital charges and doctor fees
What is covered in HDFC ERGO my:Health Suraksha?
In-patient Treatment - Covers medical expenses for hospitalization due to an illness or accident. The medical expenses for room rent, boarding expenses, nursing, intensive care unit, medical practitioner(s), medicines or drugs and other related expenses will be paid.
Pre-Hospitalization - The medical expenses incurred due to an illness in 60 days immediately before the insured person was hospitalized
Post-Hospitalization - The medical expenses incurred in 90 days immediately after the insured person was discharged post hospitalization
Day Care Procedures - The medical expenses for 144 day care procedures which do not require 24 hours hospitalization.
Domiciliary Treatment - The medical expenses incurred by an Insured Person for availing medical treatment at his home which would otherwise have required hospitalization.
Organ Donor - The medical expenses for an organ donor's treatment in the event of organ transplantation
Emergency Ambulance - Expenses covered for utilizing ambulance service for transporting insured person to hospital
Ayush - medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy
Cumulative Bonus - Every claim-free year is subject to an increase in the Sum Insured amount by 5% (of the basic sum insured); up to a maximum of 50% increase of the sum insured.
Additional Benefits/Features of HDFC ERGO my:Health Suraksha
Discount on Health checkup – up to 1% of Sum Insured, maximum up to Rs. 5,000 for a Health Checkup after 4 consecutive claim-free year.
Cashless Treatment at Network Hospitals
Individual and Family Floater option
Tax Benefit under section 80D
Free look – If the policy holder is not convinced with the Terms and Conditions of the policy, then h/she can cancel the policy within 15 days of receipt of policy document.